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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $64,559 | $91,179-29.2% | $178,499-63.8% | $79,852-19.2% |
| Participation rate | 100.0% | 69.2%+30.8pp | 81.9%+18.1pp | 69.6%+30.4pp |
| Annual return | 5.11% | 24.19%-19.1pp | 151.10%-146.0pp | 31.72%-26.6pp |
| Employer contribution / active EE | $5,994 | $3,256+84.1% | $5,011+19.6% | $2,471+142.6% |
| Participant deferral / active EE | $5,322 | $3,236+64.5% | $5,202+2.3% | $3,740+42.3% |
| Admin fee / account holder | $16,530 | $6,749+144.9% | $13,986+18.2% | $5,306+211.5% |